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My spouse needs more care than I can give

Options that keep a couple together, and the spousal protections Medicaid provides.

Quick answer

Options that keep a couple together, and the spousal protections Medicaid provides.

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Home›By Situation›My spouse needs more care than I can give

Caring for a spouse is different from caring for a parent, financially and otherwise. New York's spousal impoverishment protections -- the Community Spouse Resource Allowance and Minimum Monthly Maintenance Needs Allowance -- exist specifically for this situation.

Short answer

Options that keep a couple together, and the spousal protections Medicaid provides.

What to do, in order

  1. Understand the spousal protections. New York's 2026 Community Spouse Resource Allowance ($74,820-$162,660) and Minimum Monthly Maintenance Needs Allowance ($4,066.50/month) protect a healthy spouse's finances when the other spouse needs Medicaid-funded care.
  2. Look at communities that keep couples together. Several campuses offer more than one level of care on one site.
  3. Be honest about your own health. Spousal caregivers routinely under-report their own decline.
  4. Get an objective assessment. The Area Agency on Aging serving your county can assess both of you at no cost.

Questions families ask

Is there a statewide phone number for adult protective services if I'm not sure whether to call Nassau or Suffolk directly?

Yes - New York maintains a statewide OCFS/HSCC number for adult services information and APS routing: 1-844-697-3505. This can help route a call correctly if you're unsure whether Nassau County Adult Protective Services (516-227-8395) or Suffolk County Adult Protective Services (631-854-3232) is the right direct line for your situation.

My parent is being discharged from a Northwell Health hospital on Long Island - who helps plan next steps?

Northwell Health is the largest healthcare system in New York State, with Long Island hospitals including North Shore University Hospital (Manhasset), Long Island Jewish Medical Center (New Hyde Park), Huntington Hospital, Glen Cove Hospital, Mather Hospital (Port Jefferson), South Shore University Hospital (Bay Shore), LIJ Valley Stream, and Peconic Bay Medical Center (Riverhead). Each hospital has its own discharge planning staff who coordinate a patient's transition to home care, rehabilitation, or a skilled nursing facility.

What's the difference between being under observation and being formally admitted to the hospital, and why does it matter afterward?

Observation status and inpatient admission are different Medicare billing classifications that a hospital assigns based on a physician's assessment of the patient's condition, and the distinction significantly affects what Medicare covers afterward. Specifically, Medicare's skilled nursing facility benefit generally requires a prior 3-day qualifying inpatient hospital stay, and time spent under observation does not count toward that requirement. Families should ask hospital staff directly and explicitly which status their parent has been assigned, since it isn't always obvious from where the patient is physically located in the hospital.

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